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2019 Plan Design Quiz

Create an engaging and informative image that represents employee benefits, including medical, dental, and vision plans, with symbols like a stethoscope, dental tools, glasses, and a happy family in a friendly office environment.

2019 Plan Design Quiz

Test your knowledge about the various medical, dental, and vision plans available to FedEx employees with our comprehensive quiz! Get ready to explore the intricate details of your benefits and enhance your understanding of the coverage options you have.

Whether you're a new hire or looking to refresh your memory, this quiz will help you:

Understand coverage options
Compare plan features
Maximize your benefits

10 Questions2 MinutesCreated by LearningBenefits101

Sheila, a full-time PBOC employee calls to inquire what type of coverage she has under her current medical plan option. She is currently enrolled in the 80 Broad plan through Cigna. Select the correct response below:

The 80 Broad plan covers you at 80% and gives you access to a limited selection of providers within your network. You can speak to Cigna further regarding your coverage.

The 80 Broad plan means that you're responsible for paying 20% coinsurance. Let me transfer you to Cigna to obtain additional information regarding your plan and costs.

The 80 Broad plan covers you at 80% and requires you to pay 20% coinsurance. Some of your services are subject to a deductible, such as specialist visits and hospital visits. Your individual deductible will be $1200 in-network. This will increase to $2,400 if you go out of network. Your preventive care services are covered at 100% in-network. This plan also features a Health Reimbursement Account (HRA) which is funded by FedEx and helps to cover some of your out of pocket expenses. Under this plan you also have access to a limited network of providers.

Peter is a newly hired full-time FGT employee. He has read his benefit options but still isn't clear about the differences between the Broad and Narrow plans. Select the correct response below:

Broad plans give you access to your plan administrator's limited provider networks. Enrolling in a Broad plan also gives you access to free generic prescriptions.

Broad is better than narrow because you have access to your plan administrator's nationwide network of providers. Narrow limits your options.

Broad plans give you access to your plan administator's nationwide network of providers. Narrow options give you access to providers within a limited provider network available only in your specific geographical area. By choosing a Narrow plan you agree to stay within that limited provider network, any provider outside of that network (even if they're considered a part of your plan administator's nationwide network) is considered out-of-network for your plan. However, Narrow plans offer free generic prescriptions.

Broad and narrow plans work the same and provide the same coverage. The only difference is the doctor's that you'll have access to. Under the Broad options you have more doctors than under the narrow plan. So if you have kids living out of state, you should pick the Broad plan.

3. David is very confused about the dental benefits he is being offered. He currently has the PPO dental plan but now sees that he has the option to enroll into the Dental HMO plan. David mentions that he's looking for a plan that will provide the most coverage for orthodontics. Select the correct response from below:

Both plans offer great coverage for Orthodontics, it just depends on whether or not you want the ability to choose your dental provider or if you can stay within the Cigna dental HMO.

Both plans cover orthodontics. The PPO plan has a $2,000 lifetime maximum benefit for orthodontic services. This means that the plan will only pay out a total of $2000 in orthodontic benefits for the life of the policy. Furthemore, orthodontic services under the PPO plan require for you to pay 50% of the cost after your deductible in network. Your individual deductible would be $100. If you go outside of the Cigna Dental PPO network, you pay 60% of the cost after your deductible. The HMO plan offers unlimited orthodontic benefits, but stipulates a 24 month maximum treatment limit. Furthermore, ifyou recieve orthodontic services under the HMO plan you only pay a copay for your services, no deductible applies. However, you must stay within the Cigna Dental HMO network for your services to be covered. If you have already started orthodonic services under a different plan, you will want to speak to Cigna Dental to confirm how that will be handled under the HMO plan, if you choose to enroll into that plan.

You should stay with the Cigna Dental PPO plan because you have the freedom of going in and out of network. Orthodontic services are covered under both plans, but the HMO plan will restrict you to a very limited network.

Both plans cover orthodontics. The PPO plan has a $2,000 lifetime maximum benefit for orthodontic services. This means that the plan will only pay out a total of $2000 in orthodontic benefits for the plan year. Furthemore, orthodontic services under the PPO plan require for you to pay 50% of the cost after your deductible in network. Your individual deductible would be $100. If you go outside of the Cigna Dental PPO network, you pay 60% of the cost after your deductible. The HMO plan offers unlimited orthodontic benefits, but stipulates a 24 month maximum treatment limit. Furthermore, ifyou recieve orthodontic services under the HMO plan you only pay a copay for your services, no deductible applies. However, you must stay within the Cigna Dental HMO network for your services to be covered. If you have already started orthodonic services under a different plan, you will want to speak to Cigna Dental to confirm how that will be handled under the HMO plan, if you choose to enroll into that plan. 

Explain the vision plan buy-up option. Select the correct answer below:

The vision buy-up option lets you access frames and lenses every 12 months instead of every 24 months.

The vision buy-up option, gives you a higher allowance towards the cost of your frames.

The vision buy-up option gives you access to an enhanced frame benefit under the vision plan. This option allows you to access frames every 12 months instead of every 24 months. If you are a contact lense wearer, there is also access to an enhanced contact lense benefits which gives you access to 8 multipacks of disposible contact lenses versus 4 multipacks. Coverage for these enchanced benefits doesn't change, only the frequency or amount of the covered services.

The vision buy-up option is the best option you can enroll into if you are an eyeglass or contact lense wearer. Enrolling in the buy-up option gives you access to your frames every 12 months and access to 8 multipacks of disposible lenses.

Fred calls to ask about the differences between the HRA and the HCFSA accounts. Select the correct answer below:

The HRA account is funded by FedEx and helps you to pay for eligible out-of-pocket medical expenses such as your coinsurance and deductible. You cannot contribute money to the HRA account, FedEx will give you a yearly credit based on the tier of coverage in which you are enrolled. Also, the HRA cannot be used for dental, vision, or prescription expenses. The HCFSA is funded by you. FedEx doesn't contribute towards your HCFSA. You can elect to contribute $250 - $2650 a year. This money is taken from your pay in increments on a pre-tax basis. This money can be used to pay for your eligible medical, dental, vision, and prescription expenses. You will have until 12/31 of the year to submit or charge expenses against the HCFSA account. You are allowed to roll over up to $500 in unused funds to the next year. Any amount over $500 is forfieted. To use both of these accounts, you can swipe your CYC debit card or contact CYC to file claims.

The HRA account is funded by FedEx and helps you to pay for eligible out-of-pocket medical expenses such as your coinsurance and deductible. You cannot contribute money to the HRA account, FedEx will give you a yearly credit based on the tier of coverage in which you are enrolled. Also, the HRA cannot be used for dental, vision, or prescription expenses. The HCFSA is funded by you. FedEx doesn't contribute towards your HCFSA. You can elect to contribute $250 - $2650 a year. This money is taken from your pay in increments on a pre-tax basis. This money can be used to pay for your eligible medical, dental, vision, and prescription expenses. You cannot use your HCFSA for medical expenses until you have exhausted your HRA funds. You will have until 12/31 of the plan year to submit or charge expenses against the HCFSA account. You are allowed to roll over up to $500 in unused funds to the next year. Any amount over $500 is forfieted. To use both of these accounts, you can swipe your CYC debit card or contact CYC to file claims.

Chris works in downtown Chicago and has to take several modes of public transportation to get to work. Is there any benefit offered by FedEx to help Chris save on his public transportation costs? Select the correct answer below:

No, public transportation is a personal expense and is paid for out of pocket by each employee.

Yes, Chris can contact ConnectYourCare to enroll into the Commuter benefits. Commuter benefits allow Chris to set aside money from his paycheck on a pre-tax basis to help him save on the cost of public transportation or parking expenses.

Yes, Chris can contact WageWorks to enroll into the Commuter benefits which allow him to pay for parking and public transportation expenses on a pre-tax basis.

No, FedEx doesn't offer discounts on public transportation.

12. Karen was recently told by her doctor that she has to have knee replacement surgery. She is calling to find out if there is any benefit offered by FedEx that can help her decide whether to move forward with the surgery. Select the correct answer below:

Karen needs to contact her medical plan administrator for information and help regarding her surgery.

Karen may be eligible to participate in the Surgery Decision Support program through ConsumerMedical. Karen should call her medical plan administrator to get more information about how to participate.

Karen may be eligible to participate in the Surgery Decision Support program through ConsumerMedical. If she is eligible to participate and completes the program requirements, Karen could be given a $400 credit into her HRA. If she chooses to move forward with her surgery, she can recieve an additional $300 HRA credit by going to a Center of Excellence for the procedure. Karen will need to call her medical plan administrator to participate in the program.

13. Paul is very concerned. He believes his teenage child may be experiencing serious depression and anxiety. He feels the entire family is being affected by the situation and would like to know if there is any way FedEx can assist him. Select the correct answer below:

Paul can reach out to a crisis help center. FedEx doesn't specifically handle crisis situations, but we can google the number for him and get him transferred for help.

Paul can contact his medical plan administator for information about finding a mental health provider in his area.

Paul and the members of his household have access to the Employee Assistance Program through FedEx. This program connects the employee to a mental health or sustance abuse provider in his area to make an appointment which can be covered under the medical plan.

Paul and the members of his household have access to the Employee Assistance Program (EAP) through FedEx. This program connects the employee to a mental health or sustance abuse providers in his area. This program provides 8 sessions of counseling at no cost. If Paul and his family need continued care by a mental health provider beyond the EAP program, they may continue mental health care which is covered as a primary care service under the medical plan if they are enrolled. EAP is available to the employee 24/7, every day of the year.

15. Martha (a new hire) recently enrolled in her medical coverage. She elected the Kaiser 70 plan and wants to know how the plan will cover her and if prescriptions are covered. Select the correct answer below:

Martha will be covered at 70%. This means she is responsible for 30% coinsurance. She has an annual deductible of $2,250 (individual). Her primary care services are not subject to the deductible and preventive care is covered at 100%. Under the Kaiser plan, Martha is only able to visit Kaiser doctor's and facilities. She will have no coverage outside of Kaiser. Prescription drugs are covered under the plan. The prescription drug plan is also administered by Kaiser and Martha will be able to fill prescriptions at a Kaiser pharmacy for a copayment. The prescription drug plan has it's own annual out of pocket maximum.

Martha is responsible for a 30% coinsurance and will be restricted to Kaiser doctor's and facilities. Martha should probably not enroll into this plan if she wants the freedom to go in and out of network. She has precription coverage through OptumRx.

Martha will be covered at 70%. This means she is responsible for 30% coinsurance. She has an annual deductible of $2,250 (individual). Her primary care services are not subject to the deductible and preventive care is covered at 100%. Under the Kaiser plan, Martha is only able to visit Kaiser doctor's and facilities. She will have no coverage outside of Kaiser. Prescription drugs are covered under the plan. Prescription coverage is administered by OptumRx and the plan has it's own annual out of pocket maximum.

Martha will be covered at 70%. This means she is responsible for 30% coinsurance. She has an annual deductible of $2,250 (individual). Her primary care services are not subject to the deductible and preventive care is covered at 100%. Under the Kaiser plan, Martha is only able to visit Kaiser doctor's and facilities. She will have no coverage outside of Kaiser. Prescription drugs are covered under the plan. The prescription drug plan is also administered by Kaiser and Martha will be able to fill prescriptions at a Kaiser pharmacy for a copayment. The annual out of pocket maximum for the medical plan includes prescription drugs.

11. Charlene heard that there is a benefit that helps to provide financial support if she is ever diagnosed with a critical illness, such as cancer. Select the correct answer below:

Charlene cannot be covered for a critical illness such as cancer because it is a pre-exsisting condition that cannot be covered under the FedEx plans.

Charlene can enroll into the Critical Illness coverage administered by MetLife. This plan provies a lump sum pay out for employee and covered family members when diagnosed with a covered medical condition (such as cancer).

Charlene should call ConsumerMedical regarding critical illness coverage for an additional credit into her HRA.

Charlene can contact her medical plan administrator for information regarding management of critical and chronic condidtions.

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